DDM Analysis: PEBK

Valuation Snapshot

Stable Growth	$119.28 - $605.92	$245.66
Multi-Stage	$72.77 - $79.65	$76.15
Blended Fair Value	$160.91
Current Price	$30.66
Upside	424.81%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	5.08%	17.32%	0.92	0.93	0.90	0.69	0.80	0.72	0.57	0.48	0.38	0.29
YoY Growth	-	-	-1.19%	3.51%	30.11%	-13.64%	11.50%	25.73%	18.90%	25.12%	33.80%	54.01%
Dividend Yield	-	-	3.38%	3.34%	2.84%	2.41%	3.39%	3.53%	2.16%	1.57%	1.42%	1.64%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	16.76
(-) Cash Dividends Paid (M)	5.19
(=) Cash Retained (M)	11.56

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	3.35	2.09	1.26
Cash Retained (M)	11.56	11.56	11.56
(-) Cash Required (M)	-3.35	-2.09	-1.26
(=) Excess Retained (M)	8.21	9.47	10.31
(/) Shares Outstanding (M)	5.47	5.47	5.47
(=) Excess Retained per Share	1.50	1.73	1.88
LTM Dividend per Share	0.95	0.95	0.95
(+) Excess Retained per Share	1.50	1.73	1.88
(=) Adjusted Dividend	2.45	2.68	2.83
WACC / Discount Rate	7.16%	7.16%	7.16%
Growth Rate	5.01%	6.01%	7.01%
Fair Value	$119.28	$245.66	$605.92
Upside / Downside	289.03%	701.25%	1,876.25%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	16.76	17.76	18.83	19.96	21.16	22.43	23.10
Payout Ratio	30.99%	42.79%	54.60%	66.40%	78.20%	90.00%	92.50%
Projected Dividends (M)	5.19	7.60	10.28	13.25	16.55	20.19	21.37

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.16%	7.16%	7.16%
Growth Rate	5.01%	6.01%	7.01%
Year 1 PV (M)	7.03	7.09	7.16
Year 2 PV (M)	8.78	8.95	9.12
Year 3 PV (M)	10.47	10.77	11.08
Year 4 PV (M)	12.08	12.55	13.03
Year 5 PV (M)	13.62	14.28	14.97
PV of Terminal Value (M)	346.42	363.23	380.69
Equity Value (M)	398.40	416.88	436.05
Shares Outstanding (M)	5.47	5.47	5.47
Fair Value	$72.77	$76.15	$79.65
Upside / Downside	137.36%	148.37%	159.79%

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Peoples Bancorp of North Carolina, Inc. (PEBK)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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